How can you learn more about fixed annuities?

This information is not a contract. This information is a summary of provisions and does not contain all of the benefits and exclusions. All descriptions are intended solely to inform you about the many features of annuities. The contract and its endorsements determine exact product features and benefits. Life insurance underwritten and annuities offered by our affiliate, AAA Life Insurance Company, Livonia, MI. AAA Life Insurance Company is licensed in all states except NY. AAA Life CA Certificate of Authority #07861. Automobile Club of Southern California acts as an agent for its affiliate, AAA Life Insurance Company. CA Dept. of Insurance License #0003259. EliteGuarantee Contract Form Series: ICC11-4101, DA-4101; Platinum Bonus Contract Form Series: ICC11-4111, DA-4111; SPIA Contract Form Series: 40611.

¹The first-year declared interest rate is an annual effective yield that is guaranteed for the first contract year. It is separate from the contract’s Guaranteed Minimum Interest Rate that is effective for all contract years. Rate shown based on an initial issue amount of $50,000 - $499,000.

2Annuities offered by AAA Life Insurance Company, Livonia, MI. See your contract for specific benefits provided. Benefits may be taxable. Interest rates are based on current rates and are subject to change without notice. All rates shown are annual effective yields. The first-year declared interest rate is guaranteed for the first contract year only and is separate from the guaranteed minimum rate effective for all contract years. Rates current as of 02/06/2018 and are subject to change without notice. Annuities are not short-term products. During the surrender charge period, withdrawals exceeding 10% will be subject to a surrender charge that may be higher than fees associated with other types of financial products and may reduce principal. See contract for specific details of the surrender charge schedule. Withdrawals prior to age 59-1/2 may be subject to IRS penalties, separate from the annuity’s schedule of surrender charges. IRAs and Qualified Plans already provide tax deferral of earnings. There is no additional benefit from the annuity's tax-deferral feature. An annuity should be used to fund an IRA when its features, other than its deferral, are beneficial. AAA Life and its agents do not provide legal or tax advice. Therefore, you may wish to seek independent legal, tax, or financial advice to see if annuities are right for you.

³AAA Life and its agents do not provide legal, tax, or financial advice. You may wish to consult an independent legal, tax, or financial professional before deciding to purchase any annuities.